Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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Zero Interest Credit Cards

zero-percentBelow is a list of credit cards that offer zero percent interest rates on new purchases AND balance transfers for at least 12 billing cycles. Note that after the zero percent period the rate changes back to the higher, “normal” rate offered by that card. Also understand that most 0% balance transfer offers include a balance transfer fee. All of these cards have no annual fee.
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Fidelity Credit Card Payment, Login, and Customer Service Information

fidelity-credit-cardsFidelity credit cards are issued in partnership with FIA Card Services, a division of Bank of America, so you will make payments to FIA / Bank of America and also contact them if you need customer service help. Below are links and info to make a payment or get help with your Fidelity credit card:

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Instant Approval Credit Cards

yesterday2Instant approval credit cards can mean one of two things:

  • You get approved today but don’t get the card until later.
  • You get approved today and can instantly begin using your new credit line.

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How to Apply for a Kmart Credit Card

kmart_storeIf you are having a heck of a time getting information on applying for a Kmart credit card, it is because Kmart’s credit card is actually the Sears card. When the two companies merged, the old Kmart credit card went away and the Sears credit card became the card for both store chains.
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Gasoline Credit Cards

chevron-texaco-credit-cardWhen the price of gas spikes, people look for ways to ease the pain — and gas credit cards are one answer. Some gas credit cards give you discounts on your gas purchases, while others offer you greater rewards when you buy gas, making the price a bit easier to swallow. Some gasoline cards are tied to a specific gas station chain, while others offer rebates across the board on gas purchases. Check out the credit cards below to see which gas credit card fits your needs and spending patterns:
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Synchrony Bank Payment, Login, and Customer Service Information (formerly GE Capital Retail Bank)

synchrony-bank-logoSynchrony Bank (formerly GE Capital Retail Bank) is the card issuer behind many of the most popular retail store credit cards on the market today. If you have a card issued by Synchrony Bank, and you need to make a payment or reach customer service, your best bet is to go to the site that is specific to your credit card. A list of Synchrony Bank credit cards can be found here.
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Can the Victoria’s Secret credit card be used at Bath & Body Works?

victorias_secret_credit_card2Victoria’s Secret and Bath & Body Works are owned by the same company, L Brands. As far as we can tell, you can use your Victoria’s Secret Angel credit card inside a Bath & Body Works store, but you can not use it online at bathandbodyworks.com.

However, do not expect to use your Victoria’s Secret credit card to rack up points on Bath & Body Works purchases. According to the fine print on the Victoria’s Secret credit card site maintained by its issuing bank, Comenity, “Purchases made at Bath & Body Works do not earn points, nor can Angel Rewards be redeemed at Bath & Body Works.”
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Tire Kingdom Credit Card Payment, Login, and Customer Service Information

tire-kingdom-credit-cardThe Tire Kingdom credit card is issued in partnership with Citibank, and it is Citi you will interact with in order to pay your bill online or by mail, or to get customer service assistance. Below you will find all of the information you need to complete any of these tasks:

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Low Interest Credit Cards

cardsBelow is a listing of the lowest interest credit cards on the market today, with a link to the card’s page or online application. Note that some of these cards may offer a low rate, but may also use that rate to draw you in and then actually approve you at a higher rate. Below we have noted the lowest rate each card offers AND any higher rate you might get instead, if applicable. Also, we have only listed cards that have no annual fee.
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Pep Boys Credit Card Payment, Login, and Customer Service Information

pep-boys-credit-cardThe Pep Boys credit card is issued by Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony Bank you will deal with when it comes to paying your bill online or by mail, or if you need customer service assistance. Below you’ll find all the information you need to complete any of these tasks:

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